1167 Lerma Ln, Gilroy, CA 95020 Property Records

Santa Clara County property record for 1167 Lerma Ln, Gilroy, CA 95020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,322 sqft · built 1987
Lot Size	0.108 acres (4,700 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (May 2010)
Tax Bill	$6,206 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`783-37-030`

Property Details

APN / Parcel Number

Primary APN	`783-37-030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,322 sqft Living Area
1st Floor Area	986 sqft
2nd Floor Area	336 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	4,700 sqft (0.108 acres)
Garage Area	457 sqft
Parking Spaces	2 Parking Spaces
Porch	None

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1167 LERMA LN
City	GILROY
State	CA
Zip	95020-7411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 7834 LOT 2
Legal Subdivision	TRACT NO 7834
Legal Tract	7834
Legal Lot Number	2
Jurisdiction	SANTA CLARA CA
Township / Civil Division	SOUTH SANTA CLARA VALLEY
Census Block Group	1
Census Block	1001
Census Tract	512516

Owner

1167 Lerma Ln is owned and occupied by two individuals who bought it in May 2010.

Source: Santa Clara County records, as of July 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1167 LERMA LN, GILROY, CA 95020-7411
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 13, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2010 · Amount on File
Deed Sale	May 27, 2010 · Amount on File
Prior Sale	Mar 18, 2010 · Amount on File
Deed Document Number	201020724486
Prior Transfer Date	Feb 24, 1996
Prior Transfer Doc	0013310266
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1167 LERMA LN, GILROY, CA 95020-7411
Transaction Type	Mortgage
Record Updated	Apr 12, 2023
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1167 LERMA LN, GILROY, CA 95020-7411

Mortgage

Document Number	0025456586
Date	Apr 3, 2023
Instrument	25456586

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1167 LERMA LN, GILROY, CA 95020-7411
Transaction Type	Mortgage
Record Updated	Jan 28, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1167 LERMA LN, GILROY, CA 95020-7411

Mortgage

Document Number	0024928494
Date	Apr 20, 2021
Instrument	24928494

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1167 LERMA LN, GILROY, CA 95020-7411
Transaction Type	Mortgage
Record Updated	Jan 28, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024431746
Date	Mar 17, 2020
Instrument	24431746

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CLARA CA
Property Address	1167 LERMA LN, GILROY, CA 95020-7411
Document Number	0024031987
Instrument Date	Sep 13, 2018
Transaction Type	Mortgage
Record Updated	Oct 9, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1167 LERMA LN GILROY CA 950207411, GILROY, CA 95020-7411

Mortgage

Document Number	0024031987
Date	Sep 27, 2018
Instrument	24031987

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1167 Lerma Ln was $6,206.

Source: Santa Clara County assessment roll, as of July 27, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Clara County
Municipality	Gilroy City
Unified School District	Gilroy Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$507,725 (+2%) Land $281,785 Building $225,940
2025	$6,206.00	$497,770 Land $276,260 Building $221,510
2023	$6,073.00 (+1.67%)	$478,443 Land $265,534 Building $212,909
2022	$5,973.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1167 Lerma Ln in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective January 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1167 Lerma Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF GILROY serves 59,426 people · EPA ID CA4310004
Water Source	Groundwater
Last State Inspection	Feb 2025
Also Mapped Here	SANTA CLARA VALLEY WATER DISTRICT
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Nitrate resolved · Jun 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 702 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
Hankins Information Technology Fixed Wireless	100 / 20

May also be available: Frontier.

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